HERITAGE COMMUNITY BANK
UNION, MISSOURI · FDIC Cert #15282
Capital & Safety Analysis
According to FDIC financial data, HERITAGE COMMUNITY BANK holds a Tier 1 capital ratio of 8.95%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning HERITAGE COMMUNITY BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
HERITAGE COMMUNITY BANK shows average financial health. While not alarming, its Health Score of 55/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
HERITAGE COMMUNITY BANK has a Bank Health Score of C (55/100). It holds a Tier 1 capital ratio of 8.95%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
HERITAGE COMMUNITY BANK holds $267M in total assets and $228M in total deposits. It is located in UNION, MISSOURI (FDIC Certificate #15282).
HERITAGE COMMUNITY BANK has a Tier 1 capital ratio of 8.95%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.40%, and the return on assets is 1.05%.
Yes. HERITAGE COMMUNITY BANK is FDIC-insured (Certificate #15282). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.